Victor S. Y. Lo is a Vice President at Fidelity Investments and visiting research fellow/executive-in-residence at Bentley University. Previously, he was VP and manager of modeling and analysis at FleetBoston Financial, and senior associate at Mercer Management Consulting (now Oliver Wyman). He has over 20 years of experience in analyzing real life data, applying quantitative methods to numerous business areas such as customer relationship management, advertising strategy, market research, database marketing, financial econometrics, risk management, transportation, insurance, and human resources. Additionally, Victor has been actively engaged with Big Data analytics, practical causal inference, and is a pioneer of